Stock P/E, Current Price, and Intrinsic Value Over Time
Competitors of ESAF Small Finance Bank Ltd
Stock Name
Market Cap
Current Price
High / Low
Stock P/E
Book Value
Dividend Yield
ROCE
ROE
Face Value
Industry Average
0 Cr
0
0
0
0%
0%
0%
0
Quarterly Result
Month
Mar 2021
Mar 2022
Jun 2022
Sep 2022
Dec 2022
Mar 2023
Jun 2023
Sep 2023
Dec 2023
Mar 2024
Jun 2024
Revenue
385
598
690
688
701
774
899
943
974
1,002
1,022
Interest
178
220
242
251
250
275
313
347
377
411
434
Expenses
198
285
355
425
481
457
505
487
567
682
619
Financing Profit
10
92
94
12
-30
42
81
109
30
-91
-30
Financing Margin %
2%
15%
14%
2%
-4%
5%
9%
12%
3%
-9%
-3%
Other Income
48
49
48
65
81
94
93
79
120
150
115
Depreciation
0
0
0
0
0
0
0
0
0
0
0
Profit before tax
57
141
142
77
51
136
174
188
150
59
85
Tax %
24%
25%
25%
25%
27%
26%
25%
26%
25%
26%
26%
Net Profit
43
106
106
58
37
101
130
140
112
43
63
EPS in Rs
0.96
2.35
2.36
1.28
0.83
2.26
2.89
3.12
2.18
0.84
1.22
Gross NPA %
6.70%
7.83%
6.16%
8.11%
7.24%
2.49%
1.65%
2.64%
4.16%
4.76%
6.61%
Net NPA %
3.88%
3.92%
3.78%
4.34%
3.73%
1.13%
0.81%
1.19%
2.19%
2.26%
3.22%
Last Updated: September 7, 2024, 5:46 pm
Quarterly Chart
Profit & Loss - Annual Report
Last Updated: August 24, 2024, 10:42 am
Month
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
TTM
Revenue
1,032
1,413
1,641
1,940
2,854
3,818
3,942
Interest
458
621
720
793
1,017
1,449
1,570
Expenses
538
646
879
1,248
1,676
2,190
2,355
Financing Profit
35
146
43
-101
160
180
18
Financing Margin %
3%
10%
3%
-5%
6%
5%
0%
Other Income
109
133
127
208
288
442
464
Depreciation
17
23
29
33
42
51
0
Profit before tax
127
256
141
74
406
570
482
Tax %
29%
26%
25%
26%
26%
25%
Net Profit
90
190
105
55
302
426
358
EPS in Rs
2.11
4.45
2.34
1.22
6.73
8.27
7.36
Dividend Payout %
0%
0%
0%
0%
0%
8%
Profit & Loss Yearly Chart
YoY Net Profit Growth
Year
2019-2020
2020-2021
2021-2022
2022-2023
2023-2024
YoY Net Profit Growth (%)
111.11%
-44.74%
-47.62%
449.09%
41.06%
Change in YoY Net Profit Growth (%)
0.00%
-155.85%
-2.88%
496.71%
-408.03%
Growth
Compounded Sales Growth
10 Years:
%
5 Years:
30%
3 Years:
33%
TTM:
29%
Compounded Profit Growth
10 Years:
%
5 Years:
36%
3 Years:
59%
TTM:
10%
Stock Price CAGR
10 Years:
%
5 Years:
%
3 Years:
%
1 Year:
%
Return on Equity
10 Years:
%
5 Years:
15%
3 Years:
16%
Last Year:
20%
Last Updated: August 12, 2024, 4:34 pm
Balance Sheet
Last Updated: August 27, 2024, 3:14 am
Month
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Equity Capital
428
428
449
449
449
515
Reserves
466
656
903
962
1,266
1,977
Borrowings
6,019
8,232
10,693
15,768
18,020
23,090
Other Liabilities
145
154
293
528
489
505
Total Liabilities
7,058
9,470
12,339
17,708
20,224
26,087
Fixed Assets
86
116
133
159
188
205
CWIP
4
4
6
0
0
3
Investments
1,531
1,734
1,932
4,070
4,889
5,541
Other Assets
5,438
7,616
10,268
13,478
15,147
20,338
Total Assets
7,058
9,470
12,339
17,708
20,224
26,087
Reserves and Borrowings Chart
Cash Flow
Month
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Cash from Operating ActivityÂ
-239
1,089
1,127
-584
-571
1,001
Cash from Investing ActivityÂ
-171
-635
-638
-982
-573
-583
Cash from Financing ActivityÂ
488
-499
653
1,259
399
235
Net Cash Flow
78
-45
1,143
-308
-745
654
Free Cash Flow
Month
Mar 2019
Mar 2020
Mar 2021
Mar 2022
Mar 2023
Mar 2024
Free Cash Flow
532.00
638.00
869.00
-14.00
-17.00
-21.00
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
Undervalued: 42.31% compared to the current price ₹49.40
Intrinsic Value: 88.41
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
Undervalued: 78.97% compared to the current price ₹49.40
Last 5 Year EPS CAGR: 25.76%
*Investments are subject to market risks
Strength and Weakness
Unable to fetch valid data for stock valuation.
Stock Analysis
Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in ESAF Small Finance Bank Ltd:
Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
ROE%: 0% (Industry Average ROE: 0%)
ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
Stock P/E: 7.09 (Industry average Stock P/E: 0)
Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
Total Debt / Equity: 0
Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
Finance - Banks - Private Sector
INDUSTRY
ADDRESS
CONTACT
Building No.VII/83/8, Thrissur/Trichur Kerala 680651
Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in ESAF Small Finance Bank Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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